Vice President & Cards Portfolio Growth Manager
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Key skills for this role
About the Role
RAKBANK seeks a VP & Cards Portfolio Growth Manager to drive lifecycle strategies, spend campaigns, and portfolio profitability for its cards business. The role requires 12+ years in cards portfolio management within retail banking, with at least 5 years in the UAE market.
Key Skills for This Role
Responsibilities
- Define and execute lifecycle strategies across activation, engagement, retention, and reactivation
- Drive spend campaigns, gamification initiatives, and cross sell strategies using data driven insights
- Optimize payment plans (EPP), limit management (CLI/CLD), and rewards programs
- Analyze customer behavior, market trends, and competition to unlock new growth opportunities
- Own key growth metrics including transaction volumes, revolving balances, and portfolio profitability
- Monitor campaign ROI, customer lifetime value, and revenue contribution
- Optimize spend allocation across segments through close collaboration with analytics and finance
- Strengthen merchant partnerships to drive incremental value and revenue
- Ensure seamless engagement across the full customer lifecycle—from onboarding to retention
- Enhance customer experience through personalized campaigns, rewards, and loyalty programs
- Partner with digital teams to embed gamification, analytics, and interactive experiences into journeys
- Collaborate with cross functional teams including Marketing, Risk, Credit, Technology, and Operations
Requirements
- Bachelor’s degree required; MBA or equivalent postgraduate qualification preferred
- 12+ years of experience in cards portfolio management within retail banking
- Minimum 5 years’ experience within the UAE market
- Strong expertise in cards portfolio strategy, lifecycle management, and customer engagement
- Deep understanding of retail banking, digital channels, and loyalty/rewards ecosystems
Full Job Posting
What You’ll Be Doing
- Define and execute lifecycle strategies across activation, engagement, retention, and reactivation.
- Drive spend campaigns, gamification initiatives, and cross sell strategies using data driven insights.
- Optimize payment plans (EPP), limit management (CLI/CLD), and rewards programs.
- Analyze customer behavior, market trends, and competition to unlock new growth opportunities.
- Own key growth metrics including transaction volumes, revolving balances, and portfolio profitability.
- Monitor campaign ROI, customer lifetime value, and revenue contribution.
- Optimize spend allocation across segments through close collaboration with analytics and finance.
- Strengthen merchant partnerships to drive incremental value and revenue.
- Ensure seamless engagement across the full customer lifecycle—from onboarding to retention.
- Enhance customer experience through personalized campaigns, rewards, and loyalty programs.
- Leverage customer feedback and insights to improve engagement strategies and satisfaction.
- Address customer pain points to drive retention and long term value.
What We’re Looking For
- Bachelor’s degree required, with preference for candidates holding an MBA or equivalent postgraduate qualification.
- 12+ years of experience in cards portfolio management within retail banking.
- Minimum 5 years’ experience within the UAE market.
- Strong expertise in cards portfolio strategy, lifecycle management, and customer engagement.
- Deep understanding of retail banking, digital channels, and loyalty/rewards ecosystems.
Skills
- Commercial Acumen: Strong understanding of portfolio profitability, pricing, and growth levers.
- Analytical Capability: Expertise in customer analytics, segmentation, and campaign optimization.
- Customer Focus: Deep understanding of lifecycle management and engagement strategies.
- Digital & Innovation: Experience with digital marketing, gamification, and platform integration.
- Leadership & Influence: Proven ability to lead cross functional teams and influence senior stakeholders.
What’s In It For You
- Competitive, performance linked compensation.
- Medical coverage for you and your family.
- Comprehensive life insurance.
- Opportunity to drive growth across a high impact cards portfolio.
- Exposure to data driven, digital first transformation initiatives.
- Collaborative, performance driven culture focused on innovation and results.
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